Highest Money Market Rates in Florida
30 Florida-specific accounts
Top Florida Rate:3.82% APYFDIC or NCUA Insured
The Florida market
Florida accounts
30
Institutions
25
Top Florida APY
3.82% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
30 money market accounts are open only to Florida residents, from 25 institutions. The highest advertised APY among them is 3.82%.
The highest nationally available rate is 4.00% APY, 18 basis points above the Florida leader.
19 of the 30 Florida money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Florida-Specific Money Market Accounts
Money market accounts specifically available to Florida residents.
| Institution | Product / Term | APY |
|---|---|---|
| Gulf Coast Business Bank | Money Market Accountneeds at least $500,000 | Up to3.82% |
| BankUnited, National Association | Promotional Money Market Account | 3.50% |
| Crescent Bank | Money Marketneeds at least $100,000 | Up to3.50% |
| Popular Bank | Popular Saver Money Marketneeds at least $250,000 | Up to3.25% |
| Florida Capital Bank, National Association | Money Marketneeds at least $200,000 | Up to3.05% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Nicolet National Bank | MVP Money Market Account (MVP MMA)needs at least $1,000,000 | Up to2.65% |
| IncredibleBank | InFocus Personal Money Marketneeds at least $500,000 | Up to2.53% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Banco do Brasil Americas | Money Marketneeds at least $100,000 | Up to2.35% |
| Banco do Brasil Americas | e-Money Marketneeds at least $100,000 · needs a linked account at the bank | Up to2.35% |
| First Bank | Relationship Money Marketneeds at least $150,001 · needs a linked account at the bank | Up to2.34% |
| Locality Bank | Consumer Money Market | 2.20% |
| First Bank | Money Market Accountneeds at least $1,000,000.01 | Up to2.07% |
| The Warrington Bank | Money Market Deposit Accountneeds at least $2,500 | 2.02% |
| Bank of Pensacola | Money Marketneeds at least $2,500 | 2.00% |
| First Bank | Personal Money Marketneeds at least $150,001 | Up to1.44% |
| United Community Bank | Personal Money Marketneeds at least $500,000 | Up to1.15% |
| United Southern Bank | Tiered Money Market Accountneeds at least $250,000 | Up to0.75% |
| PNB Community Bank | Platinum Money Marketneeds at least $500,000 | 0.57% |
| American Pride Bank | Patriot Plus Money Market | 0.45% |
| PNB Community Bank | Premium Money Marketneeds at least $100,000 | Up to0.23% |
| Nicolet National Bank | Money Market Account (MMA)needs at least $5,000 | 0.20% |
| First Horizon Bank | Money Market Savingsneeds at least $50,000 | Up to0.15% |
| First Horizon Bank | TotalView Money Market Savingsneeds at least $50,000 · needs a linked account at the bank | Up to0.15% |
| OneUnited Bank | UNITY Money Marketneeds at least $75,000 | Up to0.15% |
| DLP Bank | Personal Money Market | 0.05% |
| Raymond James Bank | Money Market Account | 0.05% |
| Republic Bank & Trust Company | Money Market Account | 0.05% |
| Third Federal Savings and Loan Association of Cleveland | Money Market Savingsneeds at least $25,000 | Up to0.05% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Florida.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |